We make Life Insurance easy to talk about.
Think Life Insurance is too Expensive?
Think again. Your options range far and wide.
Lets get it down to one.
Getting an honest and local agent with Nebraska values will save you time and money. Don’t fret over having enough coverage or paying too much in monthly premiums. We streamline your insurance portfolio to give you back your time and take away your stress.
Don’t Believe These Life Insurance Myths
“Life Insurance is Too Expensive”
Over 60% of Respondents Overestimated the price of a $250,000 term life insurance policy for a healthy 30-year-old. This finding from the LIMRA 2018 Insurance Barometer Study shows that 44% of millennials over-calculated the price by 5x as much. The real average price? A little under $13.50 a month ($160/year). We generate quotes from dozens of insurers to evaluate your options.
“Isn’t Life Insurance Complicated?”
Get the Right Advice. How much life insurance do you need? How long do you need it for? What type of coverage is right for you?
These are the questions we all ask when we start thinking about life insurance. But it’s hard to make a decision without a trusted advisor to help you out.
That’s what we’re here for. Continue reading if you prefer to figure it out on your own. If you’re ready for answers now, give us a call today.
“I Wouldn’t Qualify for Coverage”
Coverage is at your fingertips. Most insurers offer policies without medical questions. In the insurance world, we call this guaranteed issue.
Policies are available for everyone. From the chronically ill to the obese. These policies eliminate the barriers of enrollment for many Americans, although they usually charge higher premiums.
If you’re healthy, even better. Take advantage of the more favorable rates while your health is in good standing.
What Type of Life Insurance is right for you?
Term Life Insurance
Growing families have growing life insurance needs. Term Life Insurance is a budget-friendly way to acquire large amounts of coverage. It’s smart to protect your finances during your highest-income years. Term policies cover you for a defined time period to give you the right amount of coverage for the changing stages of life.
Small and large families searching for low monthly premiums, but enough coverage to replace the income of primary earners.
Final Expense Life Insurance
Burial and funeral expenses are the largest financial concern for Americans considering life insurance. This is in line with the fact that many of us aren’t saving enough for retirement. Final expense insurance steps in when our loved ones walk out. It provides financial peace of mind when things around you get tough.
Getting approved is easy whether you are healthy or not. Let us help you navigate life’s winding road.
Individuals 50+ who are under-insured or have no insurance at all. These policies are a way to plan for final expenses for individuals on a limited retirement income. If you’re young, we recommend term life or a whole life policy that better helps you meet your financia goals.
Whole Life Insurance
Lifetime coverage is available through Universal Life Insurance and other Whole Life options. These policies often have a fixed value, similar to term life. However, they often build cash value over the life of the policy. This cash value can be used to pay premiums in the future or increase the amount of your death benefit.
Flexible premiums, permanent coverage, cash value, and investment options.
Get In Touch
Hi! I’m Christine Flaxbeard and I’ve dedicated my life to three things: Healthcare, Childcare and Helping out Fellow Nebraskans.
Christine Flaxbeard (402) 616-7172